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Credit Europe BankAll Inclusive debit card from Fora-Bank
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About the card
"All Inclusive" is a classic debit card from Fora-Bank. Its advantages include free annual maintenance, no commission for cash withdrawals and interbank transfers, lucrative cashback on purchases, and interest on the account balance.
Terms
Card issuance is always free. The cardholder can also pay nothing for its maintenance if they meet at least one of the conditions:
- maintain a non-reducible card balance of 30,000 RUB or more;
- make purchases totaling 15,000 RUB or more per month;
- be a public sector employee, pensioner, or student.
In all other cases, the bank will charge a monthly fee of 99 RUB. Additionally, the cardholder can enable notifications for deposits and expenses. The cost of this service is 59 RUB per month.
The cardholder can top up the All Inclusive debit card for free via transfers between own accounts and cash at Fora-Bank ATMs. In addition, money can be deposited onto the card in the following ways:
- transfer by bank card number;
- transfer by phone number via the Faster Payments System;
- via a bank account wire transfer.
The bank charges no commission for cash withdrawals at its own Fora-Bank ATMs of up to 500,000 RUB per month. You can also cash out the card at ATMs of other banks for up to 30,000 RUB per month. For exceeding this limit, the cardholder will need to pay a commission of 1% of the transaction amount.
The bank also charges no commission for transfers between own accounts, as well as for sending money to clients of other banks via the Faster Payments System for up to 100,000 RUB per month. For exceeding this limit, the cardholder will need to pay a commission of 0.5% of the transaction amount, but no more than 1,500 RUB.
Fora-Bank awards cashback for purchases made with the All Inclusive debit card as follows:
- 1% on regular purchases;
- 2% on stationery purchases;
- 4% on fuel purchases in the Turbo app;
- 5% on purchases in seasonal categories;
- up to 40% on purchases at Fora-Bank partner stores.
The maximum cashback amount that can be earned is 10,000 bonus rubles.
The cardholder can earn 8% per annum on the card balance for amounts ranging from 500,000 to 1,000,000 RUB.
| Pros | Cons |
| The bank charges no fee for issuing the bank card | If the conditions for free maintenance are not met, the cardholder will need to pay 99 RUB monthly for annual maintenance |
| Fora-Bank also charges nothing for annual maintenance if the cardholder meets at least one condition for free maintenance | If the cardholder exceeds the limits for free cash withdrawals and transfers, the bank charges a high transaction fee |
| If necessary, the cardholder can arrange free courier delivery to their home — this service is also free | |
| The cardholder can withdraw cash for free at Fora-Bank ATMs up to 500,000 RUB per month and at another bank's ATMs up to 30,000 RUB per month | |
| Cardholders can also transfer up to 100,000 RUB per month by phone number. | |
| The cardholder can earn up to 40% cashback for purchases at partner stores, 5% for seasonal categories, 4% for fuel in the Turbo app, 2% for stationery, and 1% for all payment transactions |
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| The bank pays 8% per annum on the card balance for amounts from 500,000 to 1,000,000 RUB |
How to apply
You can apply for a debit card at Fora-Bank branches or online — via internet banking or on the official website. In the first case, it is enough to visit the credit institution's office during business hours with a passport. To apply for the card online, go to the debit card page and click the "Order Card" button.
In the form that appears, the future cardholder must enter their surname, first name, and patronymic, email address, and mobile phone number. There you also need to click the "Get Code" button. Next, you must confirm the information with the code received in an SMS message.
Then the applicant will need to indicate their citizenship and click the "Next" button.
At this stage, the user must indicate their place of birth, date of birth, gender, and passport details, and click the "Next" button.
Next, the future cardholder must enter their permanent registration address or actual place of residence, and click “Next” again.
Finally, the user needs to create and enter a code word, indicate whether they have another citizenship, and select the desired card delivery method. You also need to click the “Send” button.
Rates
at third-party bank ATMs for amounts up to 30 000 RUB per month — free of charge;
at third-party bank ATMs in other cases — 1%
to other Fora-Bank clients — free of charge;
For clients of other banks via phone number through the Faster Payments System up to RUB 100,000 per month — free;
to clients of other banks by phone number via the Faster Payments System in other cases — 0.5%, but not more than 1 500 RUB
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